Kune 2018, mibairo yemiganhu inoramba isingashanduki, asi muganhu wemari inogadziridza.
- $ 5,500 kune avo makore 49 uye pasi
- $ 6,500 kune avo vane makore makumi mashanu nekure (kushandisa makore kumucheto wegore rekare)
Mipiro iyi yakaenzana yakafanana neyave yakambove kwemakore mashoma apfuura; zvisinei, muganhu wemari unoshandiswa kuti uone kana iwe unogona kukwevera zvose kana zvimwe zvemupiro wekugovera zvakanyanya zvishoma .
Cherechedza: muganhu wemipiro uye kukwana kwemari inokurukurwa munyaya ino haishandisi kune SEP IRAs kana SIMPLE IRAs - chete kuMutambo IRA.
Kubhadhara Kwekuwana Kana Iwe - kana Muwani - Kuva neKambani Inobhadhara Retirement Plan
Kana iwe uye / kana mudzimai wako muchikwata mune imwe kambani yakabhadhara mari yekubvisa basa (yakadai 401 (k) kana Chikamu 457), iwe unogona kugadzira mupiro weIRA - asi-haugone kuregererwa. Kubhadhara mari inoshandiswa kunosarudza kuziva kana iwe unokwanisa kutora mupiro wako weIRA.
- Kune michina isina kukwana iyo yakafukidzwa nekambani yekurasikirwa kwekambani muna 2018, kubviswa kwacho kunopedzerwa pakati pe $ 63,000 ne $ 73,000 zvechigadziriswa chakachinjwa mari yakawanda (MAGI). (Muganhu we2017 waiva $ 62,000 - $ 72,000.)
- Nezvipfeko zvekuroora, kana iwe ukafukidzwa nekambani yekurasikirwa kwekambani muna 2018 kuderedzwa kunobudiswa pakati pe $ 101,000 ne $ 121,000 ye MAGI, kuwedzera zvishoma kubva mugore ra2017 ra $ 99,000 - $ 119,000.
- Nezvikwata zvekuroorana apo iwe hauna kuvharwa neurongwa hwekambani asi wako wako - muna 2018, kuderedzwa kwemupiro wako weIRA kunobudiswa pakati pe $ 189,000 uye $ 199 000 eM MAGI, kubva pamwaka we 2016 we $ 186,000 - $ 196,000.
Zvinorevei kutora chikamu mune chirongwa chinotsigirwa nekambani? IRS inopa tsanangudzo yakajeka muAve Wakabvumidzwa neChirongwa cheRubatsiro cheMushandi?
Cherechedza, imwe nzira yakasiyana yemari yekuwana mari inoshanda kumipiro yeRoth .
Non-Deductible IRA Mipiro
Kunyangwe kana mupi wako weIRA usina kubviswa, iwe unogona kugadzira mupiro.
Iko kunonzi ichinhu chisina kubhadharwa IRA uye mari iri munyaya yacho ichakura musero inoderedzwa kusvikira panguva iyo iwe paunotora kubviswa.
Kana, iwe unogona kukodzera kuita ruzivo rwakakwana kana rusarura Roth IRA. Mipiro yako yose kuRoth uye zveMalawi IRAs haigone kudarika madhora emadhora pamusoro apa, zvinoreva kuti iwe unogona kugovera kune zvose, zvakadai se $ 2,000 kusvika kuChechi yeIra uye $ 3 500 kusvika kuRoth, asi zvipo zvose zviri zviviri hazvikwanise kudarika zvakanyanya mupiro wemari.
IRA rollovers uye kuwedzerwa hakuiti se "mupiro" uye saka hazvizokanganisa kukwanisa kwako kubhadhara IRA.
Yakagamuchira Mitemo Yekubhadhara Yese Zvipo zveIra
Iwe unofanira kunge wakagamuchira mari yekuita mupiro weIRA wemhando ipi zvayo. Mari yaunowana yaunayo inofanira kuenzana kana kupfuudza chiyero chemupiro wako weIRA. Izvi zvinoreva kana iwe uri mujeri uye usingachagoni kushanda, iwe haugoni kuita mupiro weIRA, kunyange uchikwanisa rollover kana kutamisa mari kubva kune 401 (k) kusvika kuIRA.
Vakaroorana IRA Contributions
Iwe unogona kuita mupiro weIRA kumunhu asiri kushanda uyo asina mari yaanowana, chero bedzi iwe uine mari yakakwana yekuwana. Izvi zvinonzi muvakidzani weIRA munharaunda.
2018 IRA Contribution Deadlines
- Iwe unosvika pana April 15th 2019 kuti uite chikamu chako che 2018 IRA.
- Iwe unosvika panaApril 17th 2018, kuti uite chikamu chako che 2017 cheIRA.
IRA yekare kana Roth IRA?
Hazvizivi kuti chii chakanaka kwauri? Hapana hutori hwekubhadhara mitero yeRoth IRA asi vane zvimwe zvinhu zvinoita kuti zvive imwe yezvinyorwa zvinoshandiswa zvakanyanya zvekusarudzwa kwekambani zviripo.
Mutambo weIRA kana HSA?
HSA inomirira Account Health Account. NeAalth Account Savings, iwe unogona kuita mari yakabhadharwa uye mari inokura isina mutero kana inoshandiswa pakutarisira mari yehutano. Ndinofunga kuti vanhu vakawanda vaizobatsirwa nekubhadhara mari yeHSA panzvimbo yeIRA, sezvo HSA inopa rubatsiro rusina chibharo chekubhadhara mari yekurapa. Izvi zvinobvumira HSA kuti ishandiswe kuunganidza mari yekurasikirwa paunenge uchiita basa rakapetwa sechikwata chekukurumidzira mari yekurapa paunenge usina imwe mimwe mari iripo yaunogona kushandisa kuti ubhadhara ivo.
IRA miganhu inotsvakirwa kuInterior
IRA miganhu yakasungirirwa kuhupfumi asi inokwira mumadhora mazana mashanu emadhora. Kana kuchinja kwegore negore kunokwana $ 150, zvinotora makore mana nyika isati yasvika iyo IRS yakasimudza chikamu. Iwe unogona kuona kuti rinoshanda sei mumifananidzo iri pasi apa.
| Gore | Limit | Kana Age 50+ |
|---|---|---|
| 2017 | $ 5,500 | $ 6,500 |
| 2016 | $ 5,500 | $ 6,500 |
| 2015 | $ 5,500 | $ 6,500 |
| 2014 | $ 5,500 | $ 6,500 |
| 2013 | $ 5,500 | $ 6,500 |
| 2012 | $ 5,500 | $ 6,500 |
| 2011 | $ 5,000 | $ 6,000 |
| 2010 | $ 5,000 | $ 6,000 |
| 2009 | $ 5,000 | $ 6,000 |
Mari yekuwana mari yekukwanisa kubvisa mupiro wako weIRA kana iwe kana mudzimai wako muchikwanisa kugadziriswa nekambani yekurasikirwa kwekambani inowedzera nehutsika. Pasi pane nhoroondo pfupi yemiganhu iyi - iyo yakatarisa inoreva kuchinjwa kwako kuchinjwa mari yakawanda.
| Gore | Single | Vakaroorana | 1 Mhandara w / kambani yekambani |
|---|---|---|---|
| 2017 | $ 62,000 - $ 72,000 | $ 99,000 - $ 119,000 | $ 186,000 - $ 196,000 |
| 2016 | $ 61,000 - $ 71,000 | $ 98,000 - $ 118,000 | $ 183,000 - $ 193,000 |
| 2015 | $ 61,000 - $ 71,000 | $ 98,000 - $ 118,000 | $ 183,000 - $ 193,000 |
| 2014 | $ 60,000 - $ 70,000 | $ 96,000 - $ 116,000 | $ 181,000 - $ 191,000 |
| 2013 | $ 59,000 - $ 69,000 | $ 95,000 - $ 115,000 | $ 178,000 - $ 188,000 |
| 2012 | $ 58,000 - $ 68,000 | $ 92,000 - $ 112,000 | $ 173,000 - $ 183,000 |
| 2011 | $ 56,000 - $ 66,000 | $ 90,000 - $ 110,000 | $ 169,000 - $ 179,000 |